College Connect

November 2019

Tuesday, November 19th, 2019

Scholarships can help pay for study abroad

By Skylar Nicholson Out of all college undergraduate students in the United States, only 10% will study abroad before they graduate, according to the Institute of International Education. Part of the reason for such low participation is directly related to costs, but Effie Antonoudi, a University of Georgia consumer economicsand financial planning professor, suggested that more students should ...[Read More]
Tuesday, November 19th, 2019

Gap years can be valuable investment in yourself

By Skylar Nicholson Erin Lamb chose to take a gap year between her freshman and sophomore years of college when she was then a student at Samford University. “Our society says you go to high school, you graduate high school and you go to college. So, it can probably be scary to break the mold on that, but doing that teaches you so much about who you are in relation to the world,” said Lamb, ...[Read More]
Tuesday, November 19th, 2019

Working in college: Worth the cost?

By Kelly Mayes College can be a balancing act of so many things that it may not seem worth it to have a job. But working might actually be a benefit as long as students make sure to balance their time between working and their studies, said one soon-to-be graduating student at the University of Georgia. “I think having a job, especially in school, is like training wheels for real life because ...[Read More]
Tuesday, November 19th, 2019

A balancing act: Research or jobs?

By Kelly Mayes Undergraduate research is a vital part of the process of getting into graduate school, but for some students, taking a chunk out of their schedules to spend time in the lab is not that easy. While undergraduate research is a critical element in the education of students engaged in science, technology, engineering and math (STEM), lower-income students struggle to balance the time ...[Read More]
Tuesday, November 19th, 2019

Is paying for graduate school worth it?

By Jada Bowman As graduation approaches many undergraduates contemplate continuing their education at the master’s level, but inevitably that decision involves determining if the benefits outweigh the additional costs. According to Mary Carlson, a University of Georgia professor whose field of study is personal financial planning with an emphasis in financial therapy, the answer should be straightforward: ...[Read More]
Tuesday, November 19th, 2019

Drive time: What one college student learned from paying her own car expenses

By Amy Scott Aaliyah Pauyo bought her 2005 Honda Civic for $4,000 when she was in college. She, like many other college students, knew a car would be useful for getting around campus and town. But Pauyo ultimately had to pay for the car and insurance on her own. “I paid for my own car insurance because my parents couldn’t really afford to help me with car stuff,” Pauyo said. “So I bought ...[Read More]
Tuesday, November 19th, 2019

Bundle and save: College student finds benefits in bundling renters and car insurance

By Amy Scott Insurance was the last thing on Katie Wallace’s mind when she was planning what she needed to do before going to an out of state school. She hadn’t even changed her residency from Colorado to Georgia as she entered her freshman year at the University of Georgia. But a few months into classes, Wallace, who is now a senior graphic design major, said she realized she was going to ...[Read More]
Tuesday, November 19th, 2019

UGA students create unique products as college entrepreneurs

By Mikaela Cohen The weekly schedules for Ayanna Grant, Amani Grant and Daysha Egson, mostly revolve around crocheting, which begs the question: “Why are they doing all of that crocheting?” All three, who are juniors at the University of Georgia, launched a clothing brand, Island Gyals LLC, in Athens, Georgia, and its unique products are all crocheted and hand-made by the three owners. Products ...[Read More]
Tuesday, November 19th, 2019

Budgeting became real for me

By Mikaela Cohen Last semester, I found myself in a scary situation. I received a letter in the mail stating that I owed $1,000 to a sorority that I hadn’t been an active member of since 2017. The letter said that I had four months to pay off the debt. After speaking with the sorority’s national treasurer and national finance coordinator, I realized I was obligated to the dues and fees for ...[Read More]
Tuesday, November 19th, 2019

Recent grad provides example for paying down student debt

By Jada Bowman Maria Rodriguez is not alone as someone under the age of 24 in the United States with outstanding federal student loans. According to Enterprise Data Warehouse, that group totaled 1.69 million people as of June 30, 2019. But Rodriguez, who graduated in December 2018 from the University of Georgia with a degree in management information systems, wants to be rid of her federal debt ...[Read More]
Tuesday, November 19th, 2019

Students struggle to find housing in an affordable housing shortage

By Ashlyn Webb Georgia Chambers, a University of Georgia student, and her roommates are searching for housing for the 2020-2021 school year, nearly nine months in advance of their move-in date. Chambers and her roommates are searching early because of the limited amount of housing that fits their budget close enough to campus to be practical for them. Several students confront such a search each ...[Read More]
Tuesday, November 19th, 2019

How affordable is on campus housing?

By Ashlyn Webb The choice between living on campus or off campus is a decision several rising sophomores at the University of Georgia must make when figuring out their housing for the next year. All first-year students at UGA are required to live on campus with the exception of those students who are from neighboring counties. They are allowed to live at home. Jade Adhola, a junior at UGA, ...[Read More]
Tuesday, November 19th, 2019

Think scholarships to defray the costs of studying abroad

By Savannah Sicurella Studying abroad provides students the opportunity to experience cultural perspectives, styles of education and academic, professional and social environments different from their own. It can be a transformative thing, undergraduate study abroad alum Tatiana Anthonysaid, but the experience of living, learning and laboring in another country isn’t cheap. With the average ...[Read More]
Tuesday, November 19th, 2019

Crunching the numbers for your gap year

By Savannah Sicurella When Marla Ebert, now a career consultant in the University of Georgia’s College of Family and Consumer Sciences, opted to take a gap year before beginning a master's program in higher education, she approached the decision with specific criteria in mind: she wanted a “well-rounded” experience to prepare her for the master’s program, to keep her attuned to the “student ...[Read More]
Tuesday, November 19th, 2019

Collegiate health centers provide lower cost options for students

By Erin Schilling Tish Thompson navigated life as an uninsured college student. With a part-time job, student loans and classes to worry about, her health insurance didn’t seem like a top priority at the time. “I knew about student insurance, but I had no money,” Thompson said. Thompson’s story is familiar in the United States. According to a health insurance coverage analysis by ...[Read More]
Tuesday, November 19th, 2019

Younger generations have different interests in personal finance coverage

By Erin Schilling Money divides Baby Boomers and Generation Z'ers just as much as it connects them. Young people are now using the blasé “OK, Boomer” meme to defend against the “snowflake” snub from older folks, creating a virtual war in which no topic — especially money management — is safe from fire. But personal finance gets tricky. Young adults need the advice and knowledge ...[Read More]
Tuesday, November 19th, 2019

Mobile finance apps won’t do the work for you

By Caroline Odom Being in college often means feeling broke. One student wonders if he will be able to pay his rent. Another questions if he should stay home and cook or go out to eat with his friends. Even students who can rely on the financial safety net of their parents may question their financial situation as personal finances become personal for the first time. Regardless of the situation, ...[Read More]
Tuesday, November 19th, 2019

UGA innovation wants to reach all parts of campus

By Caroline Odom When Meriah Grove was a freshman at the University of Georgia in 2016, she walked into the office of the UGA Entrepreneurship Program and asked how she could get involved. “My passion and my life is creating something out of nothing,” said Grove, a senior advertising major from Roswell, Georgia. Grove has watched the program, an entity of the Terry College of Business, ...[Read More]
Tuesday, November 19th, 2019

Why you should start building your credit in college

By Charlotte Norsworthy  Friends of Alexis Manson call her the “budget queen” because of her categorized budget spreadsheets and careful spending habits. “For me, building credit and good practices during college feels lower risk than waiting until after college,” Manson said. “I think it’s better to start learning right now while I have a bit of a safety net than wait and be overwhelmed ...[Read More]
Tuesday, November 19th, 2019

College students struggle to establish credit

By Charlotte Norsworthy JT Cavalenes was recently denied for his first credit card. He’s a freshman at Kennesaw State University and decided to apply for a credit card after his parents advised him to start planning for his future. “It’s a lot more necessary to already have [established credit] when you’re out of college than while you’re in it, so already having it built up is helpful,” ...[Read More]

October 2019

Tuesday, October 15th, 2019

Workplace navigation for the professionally inexperienced

By Samuel Leal The pursuit of legally taxable income has taken me to some interesting places. Just after my high school graduation, for example, I had thought proving myself in the real world meant getting a job in the deli department of a nearby grocery store - but quit after a while because the free chicken wings no longer seemed to make that particular job worthwhile overall. The summer after ...[Read More]
Tuesday, October 1st, 2019

Technology investment awakening

by Hailey Mensik Growing up, I hated when people asked me what my dad did. He was a technology salesman, working for companies like IBM, and it was boring to explain and even worse to watch people have to listen. His jobs were always stable and offered good healthcare. Commissions made some years better or worse, but didn’t force us to drain our savings – until two years ago. He was offered ...[Read More]
Tuesday, October 1st, 2019

How I got my financial life together

by Andy Blye When I was in the Peace Corps I lived in a very rural village and did not have access to the internet. I served in an African nation called Zambia and I lived 80 miles away from paved roads and grid electricity.  To avoid boredom way out there in the bush, I would download podcasts on my phone when I went to town and bring them back to the village with me. I really loved listening ...[Read More]
Tuesday, October 1st, 2019

Parking math for a student

by Raul Bencomo A story about expensive parking? Nothing unusual here. Parking at our university is notorious for its expensive price tag, and inconvenience. You might conclude that an annual parking permit is the answer, but not so fast. Consider these two factors: 1. The permits’ range in prices. Here in downtown campus, its $210 to $780. 2. Depending on the days you go to class, you are ...[Read More]

September 2019

Wednesday, September 25th, 2019

Don’t let emotions make you go broke

by Agya K. Aning As a younger man, I had a pretty terrible habit of making impulse purchases. This was especially true after I first moved to China and was routinely faced with the impossible boredom of not yet knowing anybody. Because I wanted to be around people, I went to where I could find the most of them — unfortunately, those places were often shopping malls. Making a purchase, usually ...[Read More]
Wednesday, September 25th, 2019

The kind of power money has over people

by Molly Duerig I was ten years old when I truly learned about the value of money. I was sitting in a fifth-grade classroom, listening to Mrs. Krysinski talk about diagramming a sentence or some such thing. A plane soared overhead. I plugged my ears. I put my head down on the desk and covered them. A couple people sitting at the same table of desks murmured something, but I just sat quiet and ...[Read More]
Wednesday, September 25th, 2019

Money is easier to lose than it is to get

by Alyssa Valley While my experience with money is not as elaborate as others, I think my experience and observation with it thus far has helped me to prepare better for later in life. I have two older siblings, so most of my life has been watching what they do and learning either what to do, or in some cases what not to do. One big thing I learned from my older sister was to make saving money ...[Read More]
Wednesday, September 25th, 2019

The importance of exchange rates

by Ayano Nagaishi In my past 21 years, I have moved all around the world. In every country that I lived in, I learned a lot about its culture, language, life style, people, economy and more. However, I never learned specifically about money. When I was younger, it was common for me to get allowances from my parents and it was my decision to either spend or save it. I always had something I wanted ...[Read More]
Wednesday, September 25th, 2019

Lessons about savings and going out to eat

by Molly Bohannon Here are a few things about me. I just graduated from a private college in the Midwest. I also went right into graduate school, which means I haven’t even started to pay off my debt from undergrad and I’m already acquiring more! Because of these things I have decided to be careful about how I spend my money. There are two main lessons I’ve learned and implemented that I want ...[Read More]
Wednesday, September 25th, 2019

Money goes by fast

by Lorenzino Estrada Earlier this year I learned an important lesson about money: it goes fast. While it may seem like an obvious lesson that I learned much later than most, it’s a lesson that I was very grateful to learn. I learned this lesson as I was planning a vacation for my girlfriend and I after our sophomore year at Arizona State University. I had never planned a vacation before, ...[Read More]
Wednesday, September 25th, 2019

Surviving the growing gig economy

By Austin Fast It’s no news that young journalists can find it tough to land that first job. At the Online News Association’s annual conference held in New Orleans this September, I met a millennial who’d completed 13 internships and said potential employers still told her she “didn’t have enough experience” for entry-level positions. Let’s hope that’s an extreme case, but it illustrates ...[Read More]
Tuesday, September 24th, 2019

Budgeting to travel

by Natalie Walters I don’t think I’m alone in rolling my eyes at stories about millennials quitting their jobs to travel the world -- and I’m a millennial myself. Often, there’s an important fact buried deep inside these articles: either they have a trust fund or they landed a $100,000+ salary out of college. As a young journalist from a middle-class family, I qualified for neither of those ...[Read More]

May 2019

Wednesday, May 29th, 2019

College Connect Spring 2019: Planning for Study Abroad: How to finance your semester BEFORE you get there.

By Mimi Wright If there is one piece of advice that I would give to any college student, it would be this: study abroad. The experiences, connections and sights you see are priceless. But unfortunately, the trip is not. Studying abroad is a hefty financial undertaking. It can be extremely overwhelming when you are faced with the program fee, because I know I was. A helpful tip: PLAN AHEAD. I worked ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: How to travel cheaply while studying abroad

By Chloe Thornberry Arriving in the country that you’ve chosen to do your study abroad is a thrill. But it’s just the start – now that you’ve taken this big leap, you might as well see as much of the world as possible. If there are alarms going off in your head telling you that sounds off-the-wall expensive, take a breath. There are ways to travel abroad without breaking the bank. I’m ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Learning about financial aid, right from the source!

By Sydney Calhoun Who would have thought that a journalism major would be working in a university financial aid office, but I’m glad I do!  In today’s world of student loans and repayment plans, life can get the best of your wallet. After all, two-thirds of students at public universities like mine have student loans. I’ve learned a few key lessons while working in Student Financial Aid ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: What to do when your campus job is a brain drain

By Payton Cousins What do you do when your job is intellectually and mentally exhausting? What do you do when you need more hours to make more money, but you don’t have the brain power to keep working? This is a problem that I experience all the time. I currently work as a writing tutor at the University of Missouri, which means that my job is basically helping students at any stage in the ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Saving Up to Giddy Up

By Paulina Crum First – you have to know that I’m from Montana. I have been riding horses since I was six, and have desperately wanted a horse of my own, but I have never been able to afford to buy one. Now, it seems like there may be a way to finally purchase the horse I have always wanted. I have been hired for two good paying jobs this summer at a public relations firm and as a receptionist ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: All Work, No Play: Why Everyone Needs to Find A Balance

By Paola Rodriguez All work, no play makes Jack a dull boy. As much as this may seem to be true, working is quite important at the end of the day. It is a means to receiving income in order to live even if it creates a struggle to keep a balance of a social life, good grades, internships and living as comfortably as possible. For many students across the country, this is a reality. Devon Bennett, ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: How to Afford a Trip to the Movies

By Abby Monteil College is often characterized as a place to gain exposure to new experiences and culture, as well as to meet new people. One reputable way to do this is to catch a new movie with friends. However, a trip to the theater is getting increasingly difficult to afford for college students who are dealing with the costs of attending school. According to Statista, the average American ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Money Saving Tips for Your Time Abroad

By Eli Lederman So you’re studying abroad? Awesome. You’ve been accepted into your program. You’ve completed all the painstaking paperwork and endured the process of getting a visa or any other documentation process. You even performed all the financial gymnastics necessary and now, finally, you’ve arrived in Europe or South America or another far away land you’ve chosen to expand your ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Earning and Saving Money with Out Leaving Your Dorm Room

By Meredith Westrich Juggling a job while being a full-time student can extremely stressful—there seems to never be enough time or money.  One solution is to make money on your own time schedule, without even ever having to leave your room. One option is a marketing survey site called Swagbucks.com which allows you to earn “SwagBucks” after participating in surveys, watching promotional ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Working full-time and being a student full-time is a challenge

By Andrea Jennemann When the end of my first year of college ended, and everyone was moving out of the dorms and beginning to sign leases for apartments, my father told me I would be solely responsible for my living costs from that point on. Because of a change in roommates, I was late in signing my lease. I ended up with one of the new downtown apartments. While nice, this apartment is not ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Hard financial choices lead to grit and determination in college

By Crystal Cox In my first two years at college, I’ve had to make a decision that my high school self could not have imagined: go to class or be able to afford to eat. This is the reality that I, and many students who come from low-income families, face. Having to work 40 hours a week at an entry-level service job is difficult, but having to do so while being a full-time college student is beyond ...[Read More]
Wednesday, May 29th, 2019

College Connect Spring 2019: Finding a student job with medical limitations

By Joseph Bartholomew Going into college, I had never had a job. In high school, during the summer going into my sophomore year, I was diagnosed with cancer, at the age of 15. This prevented me from living the normal life of a high schooler as I was pulled from my classes and began treatment. I would continue classes at home with a private tutor coming over twice a week for a couple hours to ...[Read More]

April 2019

Wednesday, April 10th, 2019

College Connect Spring 2019: Are Credit Cards Necessary for Students?

By Tyler Head Will that be cash or credit? These days this question almost seems redundant. Our society is continuously advancing its technology and the thought of paying for things with physical dollar bills feels slightly antiquated to many students. According to a 2016 study done by Sallie Mae, a federally-back lending institution, 56 percent of college students have credit cards. However, ...[Read More]
Wednesday, April 10th, 2019

College Connect Spring 2019: What You Should Know Before Signing a Rental Lease

By Caroline Friedman A recent ranking conducted by the financial technology company SmartAsset found that seven of the top ten most transient cities in the country are college towns. In a city like Athens, Georgia, home to the University of Georgia and a transitory student population of nearly 38,000, the options for rental housing are seemingly endless. Although the search process is a relatively ...[Read More]
Wednesday, April 10th, 2019

College Connect Spring 2019: Student Saves Money by Renting Textbooks

By Lauren Diaz As a finance student at the University of Georgia, Nathan Moon is required to purchase textbooks that retail upwards of $120. Rather than purchasing them, however, Moon rents them through rental sites that help students save as much as 90 percent of the publisher’s price. “If I were to buy all of my books every semester, it would be close to $500,” Moon said. “If I rent ...[Read More]
Wednesday, April 10th, 2019

College Connect Spring 2019: Overcoming Unexpected Medical Expenses

By Mauli Desai A visit to the doctor’s office is often met with the question: "On a scale of one to 10 rate your pain." Rajan Bedi’s response of nine out of 10 on the pain scale was the beginning of a yearlong ordeal. In 2018, while on his way to The Reserve apartment complex to watch the Philadelphia Eagles play the New England Patriots in The Super Bowl, Bedi, was hit on the driver side ...[Read More]
Wednesday, April 10th, 2019

College Connect Spring 2019: What to Expect Financially When Studying Abroad

By Steve Conyers Studying abroad offers a unique experience to students who gain new perspectives by visiting other countries. Broadening one’s world view through hands-on teaching in an unfamiliar culture, gaining valuable networking connections and increasing communication skills in an increasingly demanding global job market are just a few of the advantages students obtain when they study ...[Read More]
Wednesday, April 10th, 2019

College Connect Spring 2019: The Scholarship Strain

By Eleanor Cash With the end of spring semester approaching, college seniors across the country are looking forward to wearing their caps and gowns and receiving their diplomas.  Soon after flipping their tassels, however, many of these new graduates will be forced to confront a growing national problem: repaying their student loan debt. Student loans place only second to mortgage debt in the ...[Read More]

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